Forensic discovery of $300K+ systematic escrow calculation error affecting all 399 loans with $1.4M/yr borrower impact.
During a routine quality assurance review, Nick identified anomalous patterns in principal balance calculations that didn't reconcile with expected amortization trajectories. Rather than flagging it as a minor discrepancy, he initiated a forensic investigation.
Through systematic formula-level tracing — following calculation chains from final output back through intermediate steps to source data — Nick discovered that escrow amounts were being incorrectly included in principal calculations across all 399 loans in the Rogue portfolio. This wasn't a data entry error; it was a systematic architectural flaw in how payment allocation logic was structured.
The financial impact was substantial: borrowers were being overcharged by a combined $1.4M annually. Nick documented the complete error chain, quantified per-loan and portfolio-wide impact, and escalated directly to the Board with a remediation plan. This single discovery represented more value than Nick's entire annual compensation.